Other Services

“How may we help you?” FocalPoint offers a wide range of services to help you manage your money — and your life. From wire transfers to home banking, nationwide ATM networks, and a mobile app, FocalPoint members have access around the country and around the clock!

Home banking

You’ve got access to your FocalPoint accounts 24/7, online or by phone!

Online Banking & Bill Pay. The safe, secure way to manage your accounts online, which means access when you want it, where you want it. Check account balances and recent account activity, transfer funds, download statements and pay bills — using a single sign-on! And signing up is easy! Click here to learn more.

Fasttrak Teller. 24/7 account access has never been easier. With Fasttrak Teller, it’s just a phone call away! Check balances, transfer funds and so much more. To get started, just dial 315.431.0909, and make sure to have your Member Number and Access Code on hand. 

More account access options

We’ve got what you need, whatever the occasion. So whether you’re taking a trip out of the country or simply looking for a better way to deposit your paychecks, we’ve got options to make your finances easier to manage. Take a look at what we offer:

Surcharge-free ATMs. Focal Point offers its members access to thousands of surcharge-free automated teller machines throughout Central New York and nationwide. Click on these links to find a location in one of our networks:

www.allpointnetwork.com
http://www.sharenetatm.com/

Or call 800.976.4917 to find one near you!

Mobile App. Access FocalPoint online banking and billpay on your smart phone, tablet or other mobile device, through the FocalPoint mobile app. To download this app, click the link to the app store for your device:

Apple: https://itunes.apple.com/us/genre/ios/id36?mt=8
Google: https://play.google.com/store

Direct Deposit. No more standing in line or driving to the branch on payday. With Direct Deposit, your paycheck is automatically deposited in your FocalPoint account, safe, secure and ready for you. You can have money distributed among multiple FocalPoint accounts, if you choose. You can even specify automatic loan payments!
Sign up for Direct Deposit through your employer.

Payroll Deduction. Even if you don’t use Direct Deposit, you can deduct an exact amount of money from your paycheck each pay period and have it automatically deposited into a FocalPoint account. Many members use Payroll Deduction to automatically save money each pay period. You can also use it to make automatic payments on your FocalPoint loan each month.

Sign up for Payroll Deduction through your employer.

ACH Services. For recurring expenses like insurance premiums, phone bills, utilities and such, you can request to have automatic deductions from your account. No more missed payments and late fees. And there’s no charge for this service.

VISA Credit Card Procesor. Get what you want out of life; choose from our Classic or Platinum Credit Card Processor options. With a conveniently low interest rate and worldwide acceptance of the VISA logo, FocalPoint’s VISA credit card processor program has no annual fees and no Terminal fee. To report a lost or stolen card, call (315) 463-8333 during business hours, or (800) 299-9842 on nights or weekends.  To be able to access your VISA card information 24/7, go to EZ Merchant Info and enroll.

Click to apply for a Classic or Platinum Credit Card.

VISA Debit Card. Stop the hassle of writing checks and replace cash with our VISA Debit Card, available through our Checking Account. Then, you can go to the grocery store, head out shopping or even travel the world without needing a checkbook or a large wad of cash. Debit and ATM transactions will automatically deduct money from your FocalPoint Checking Account. To report a lost or stolen card, call (315) 463-8333 during business hours or (800) 472-3272 on nights or weekends. 

Added value services

Wire Services. Wire funds to and from your FocalPoint account—instantly, safely. Fees apply for outgoing wires.

Free Notary Public Service. Available to members during regular business hours.

Night Deposit. Make safe, secure deposits, even when your FocalPoint branch is closed—24 hours a day, 7 days a week.

Education Scholarships. Every year, we award scholarships to high school seniors who are FocalPoint members. The application period is from November to March. Members' children and grandchildren are eligible to join FocalPoint for this opportunity. Contact us for more information.

What can we do for you today? Give us a call or stop by the FocalPoint branch nearest you!